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Trenton Savings Bank FSB, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$54,250,000640
Total interest expense$25,172,000659
Net interest income$29,078,000614
Provision for loan and lease losses$2,155,000546
Total noninterest income$3,876,0001,115
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0224
Additional Noninterest Income$3,876,000764
Total noninterest expense$15,217,000911
Salaries and employee benefits$8,893,000755
Premises and equipment expense$2,512,000789
Additional noninterest expense$3,812,0001,173
Pre-tax net operating income$15,582,000534
Securities gains (losses)$5,0003,437
Applicable income taxes$5,933,000501
Income before extraordinary items$9,654,000607
Extraordinary gains, net$032
Net income$9,654,000606
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,476,000568
Cash dividends$284,0004,732
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$9,650,800579
1997-12-31 (YTD Data)Rank
Total interest income$43,715,000788
Total interest expense$21,763,000756
Net interest income$21,952,000822
Provision for loan and lease losses$1,674,000678
Total noninterest income$2,022,0001,746
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0239
Additional Noninterest Income$2,022,0001,095
Total noninterest expense$13,381,0001,025
Salaries and employee benefits$7,329,000905
Premises and equipment expense$2,361,000857
Additional noninterest expense$3,691,0001,198
Pre-tax net operating income$8,919,000910
Securities gains (losses)$2,923,000136
Applicable income taxes$4,381,000670
Income before extraordinary items$7,461,000759
Extraordinary gains, net$044
Net income$7,461,000761
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,159,000727
Cash dividends$1,136,0001,971
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$5,590,280969
1996-12-31 (YTD Data)Rank
Total interest income$36,781,000954
Total interest expense$17,893,000939
Net interest income$18,888,000973
Provision for loan and lease losses$09,041
Total noninterest income$1,063,0002,982
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0262
Additional Noninterest Income$1,063,0001,739
Total noninterest expense$9,668,0001,476
Salaries and employee benefits$5,080,0001,320
Premises and equipment expense$1,908,0001,100
Additional noninterest expense$2,680,0001,902
Pre-tax net operating income$10,283,000771
Securities gains (losses)$2,828,000120
Applicable income taxes$4,720,000620
Income before extraordinary items$8,391,000672
Extraordinary gains, net$053
Net income$8,391,000672
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$50,0005,304
Cash dividends$1,113,0001,976
Sale, conversion, retirement of capital stock, net$56,000707
Net operating income$6,581,080796
1995-12-31 (YTD Data)Rank
Total interest income$33,301,0001,060
Total interest expense$16,762,0001,011
Net interest income$16,539,0001,112
Provision for loan and lease losses$150,0003,621
Total noninterest income$902,0003,360
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0522
Additional Noninterest Income$902,0001,942
Total noninterest expense$7,972,0001,760
Salaries and employee benefits$3,924,0001,689
Premises and equipment expense$1,617,0001,287
Additional noninterest expense$2,431,0002,046
Pre-tax net operating income$9,319,000882
Securities gains (losses)$4,193,00069
Applicable income taxes$4,864,000616
Income before extraordinary items$8,648,000678
Extraordinary gains, net$065
Net income$8,648,000678
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$24,0006,354
Cash dividends$179,0005,772
Sale, conversion, retirement of capital stock, netNANA
Net operating income$5,964,480912
1994-12-31 (YTD Data)Rank
Total interest income$29,589,0001,065
Total interest expense$12,851,0001,027
Net interest income$16,738,0001,100
Provision for loan and lease losses$180,0003,202
Total noninterest income$503,0005,272
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$311,0004,240
Trading account gains and fees$0475
Additional Noninterest Income$192,0005,402
Total noninterest expense$7,357,0001,947
Salaries and employee benefits$3,536,0001,888
Premises and equipment expense$1,001,0002,034
Additional noninterest expense$2,820,0001,921
Pre-tax net operating income$9,704,000813
Securities gains (losses)$2,408,00075
Applicable income taxes$4,537,000619
Income before extraordinary items$7,575,000722
Extraordinary gains, net$0249
Net income$7,575,000724
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,0007,569
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$6,033,880870
1993-12-31 (YTD Data)Rank
Total interest income$30,881,0001,034
Total interest expense$13,253,0001,021
Net interest income$17,628,0001,045
Provision for loan and lease losses$180,0004,132
Total noninterest income$554,0005,228
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$320,0004,190
Trading account gains and fees$0532
Additional Noninterest Income$234,0005,192
Total noninterest expense$6,359,0002,279
Salaries and employee benefits$3,044,0002,180
Premises and equipment expense$983,0002,088
Additional noninterest expense$2,332,0002,392
Pre-tax net operating income$11,643,000626
Securities gains (losses)$3,040,000231
Applicable income taxes$4,896,000545
Income before extraordinary items$9,787,000549
Extraordinary gains, net$03,149
Net income$9,787,000565
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$43,0006,359
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$7,750,200631
1992-12-31 (YTD Data)Rank
Total interest income$31,787,0001,156
Total interest expense$16,179,0001,109
Net interest income$15,608,0001,200
Provision for loan and lease losses$234,0004,813
Total noninterest income$505,0005,602
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$321,0004,212
Trading account gains and fees$0504
Additional Noninterest Income$184,0005,950
Total noninterest expense$6,016,0002,417
Salaries and employee benefits$2,749,0002,355
Premises and equipment expense$882,0002,346
Additional noninterest expense$2,385,0002,412
Pre-tax net operating income$9,863,000644
Securities gains (losses)$340,0001,419
Applicable income taxes$3,369,000693
Income before extraordinary items$6,834,000696
Extraordinary gains, net$01,422
Net income$6,834,000689
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$011,197
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$6,606,200651

* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.